Call reports 2004
RIVERGREEN BANK — 2004
What RIVERGREEN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,387,000 | 43,258,000 | 50,943,000 | 51,404,000 |
| Total loans | 30,113,000 | 33,753,000 | 35,658,000 | 39,782,000 |
| Allowance for loan losses | 325,000 | 370,000 | 423,000 | 480,000 |
| Securities available for sale | 1,622,000 | 1,964,000 | 5,917,000 | 5,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,268,000 | 34,571,000 | 40,871,000 | 40,336,000 |
| Interest-bearing deposits | 27,074,000 | 29,983,000 | 35,127,000 | 35,283,000 |
| Noninterest-bearing deposits | 3,194,000 | 4,588,000 | 5,744,000 | 5,053,000 |
| Equity capital | 6,898,000 | 6,825,000 | 6,897,000 | 6,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 902,000 | 1,490,000 | 2,154,000 |
| Interest expense | 104,000 | 238,000 | 405,000 | 592,000 |
| Net interest income | 317,000 | 664,000 | 1,085,000 | 1,562,000 |
| Noninterest income | 85,000 | 174,000 | 220,000 | 392,000 |
| Noninterest expense | 478,000 | 964,000 | 1,472,000 | 2,000,000 |
| Provision for loan losses | 68,000 | 113,000 | 166,000 | 223,000 |
| Pretax income | -144,000 | -239,000 | -333,000 | -269,000 |
| Income tax | -50,000 | -83,000 | -114,000 | -93,000 |
| Net income | -94,000 | -156,000 | -219,000 | -176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,304,000 | 6,219,000 | 6,242,000 | 6,310,000 |
| Total capital | 6,645,000 | 6,615,000 | 6,694,000 | 6,817,000 |
| Risk-weighted assets | 30,831,000 | 34,675,000 | 39,229,000 | 42,654,000 |